Disgusting Honoring Fee: Benefiting WHO?

I never thought it would take me such a short period of time being with a new bank to write a review. While I understand your concept of an honoring fee and the whole 2-3 days that merchants take to bank their payments and and and... yes I get it. But please justify this, because I KNOW you people are gona come back with a long list of reasons based on a checklist you have infront of you... I made a purchase on 21 September for an amount of R188.05 and at the time I had sufficient funds in my account because like any sane hardworking person, I check my AVAILABLE balance (not LATEST balance) when I need to buy anything. The transaction was only cleared on 25 September when funds were insufficient and the account went into a minus in the amount of R1.49. Check again: one RAND and forty-nine CENTS. For this amount you people charged me an honoring fee of R100???? one HUNDRED rand for R1.49 that I was under? Then please stop honoring because this is not about caring for clients but rather ****ming them into making money.